LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,194
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,066
−HK$1,903/mo
Today · 4.125%
HK$63,969
baseline
▲ 0.50% · 4.625%
HK$67,861
+HK$3,892/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,938/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,965
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,761
−HK$1,822/mo
Today · 4.125%
HK$70,583
baseline
▲ 0.50% · 4.625%
HK$74,304
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,166/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,233
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,480
−HK$2,282/mo
Today · 4.125%
HK$76,762
baseline
▲ 0.50% · 4.625%
HK$81,433
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,524/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,358
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,513
−HK$2,187/mo
Today · 4.125%
HK$84,700
baseline
▲ 0.50% · 4.625%
HK$89,164
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,400/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,272
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,893
−HK$2,663/mo
Today · 4.125%
HK$89,556
baseline
▲ 0.50% · 4.625%
HK$95,005
+HK$5,449/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,112/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,751
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,266
−HK$2,550/mo
Today · 4.125%
HK$98,816
baseline
▲ 0.50% · 4.625%
HK$104,025
+HK$5,209/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,632/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,349
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,719
−HK$3,425/mo
Today · 4.125%
HK$115,144
baseline
▲ 0.50% · 4.625%
HK$122,150
+HK$7,006/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,288/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,537
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,770
−HK$3,280/mo
Today · 4.125%
HK$127,050
baseline
▲ 0.50% · 4.625%
HK$133,747
+HK$6,697/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,100/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,911 · Scale 2, in force from 26 Feb 2026)